Hi UT. There are many "Hidden Costs"
You have not calculated the "True cost" of your boat. This is not a constant %. Right now it seems to run in the 100% column. And what i mean by that is, X=$ spent on upgrades. Maint. is not considered in this charge. Maint is non-chargeable. Spend x on the boat, spend x on the wife. BTW when the wife is "only the G/F" the equation is 20 or 30% of X. Well anyway, as time goes on and the wife becomes more powerfull, sort of like getting Whipple charged, the constant goes up to 1.5x X and then to 2x X and so on. In my case my ex-wife, and notice I said ex, decided she was tired of (and I quote) "seeing the back of my team jacket" leaving the house every weekend to go Racing. Well at that point the equation changed, The true cost went up to 10x X, She wound up with 8 x X and her Lawyer took 2 x X. Got to watch those hidden costs